Consumer Banking Money Movement

The Q2 money movement platform provides choices to meet the needs of consumers, small or medium-sized businesses, and corporate organizations at any stage in their financial journeys.  

Consumer payments

P2P choices for consumers 

Q2 helps ensure consumers can make and accept funds through:

  • P2P with Zelle, Neural Payments, and other providers
  • Use card payments and digital wallets
  • Process internal and external payments
  • Send or receive consumer wires.
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SMB payments

ACH to instant payments

Whether a local mom-and-pop business, tech startup, or growing B2C or B2B company, Q2 has the payment options SMBs need for direct deposit payroll, limited ACH, and more.

We offer easy Integration with accounting platforms such as QuickBooks. That means even more convenience for the businesses you serve.  

Corporate payments

Advanced, large-volume payments

Same-day ACH, international wires, and other larger-volume payments possibilities like instant payments are available with Q2. We enable institutions to offer integration between the digital banking platform and accounting system, allowing remittance information to travel with payments.

With Q2, you’ll also help your account holders avoid redundancies and easily streamline Accounts Payable/Accounts Receivable processes. 

Q2 Instant Payments Manager

Speed is just the starting point

With Q2 Instant Payments Manager, businesses can take advantage of the robust messaging capabilities provided by the RTP and FedNow instant payments networks. 
 
Even more valuable than the ability to send and receive real-time payments, instant payments enable remittance information to travel with the payment throughout the payment life cycle, streamlining accounts payable/accounts receivable processes. 

Fintech options

Simple to integrate

The Q2 Innovation Studio fintech partner ecosystem is rich in money movement options. Driven by fast API integration, our partners offer merchant services, B2B payment choices, Buy Now, Pay Later (BNPL), and more. 

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Cashless payments are growing

The rapid expansion in digital and cashless payments will continue.

Q2 is here to ensure financial institutions of all sizes remain competitive while staying in control—even in today’s rapidly evolving markets and even in the face of the changing landscape. 

  • 1.1T global cashless payment transaction volume increase by 2025

    Top 8 Payment Industry Trends 2023, Discover® Global Network, March 2023

  • -25% cash usage decline in the share of global payments over the past five years

    The 2023 McKinsey Global Payments Report

  • 77% of organizations will receive real-time B2B transactions and 76% will send them

    2023 AFP Real-time Payments Survey

  • 10% of small-business leaders looking beyond their FIs for robust money management tools

    2022 Five Digital Imperatives report, Aite-Novarica

  • “Globally, the rapid expansion in digital and cashless payments continues. One study forecasted global cashless payment volumes are set to increase to almost 1.9 trillion transactions by 2025, representing an 80% increase from 2020. The acceleration in digital payments is fueled by continued consumer preferences and shifts in customer behavior that have become permanent post-pandemic.”

    Discover® Global Network, March 2023
    Top 8 Payment Industry Trends 2023
  • “Small-business leaders are increasingly aware of the digital tools they require to manage their businesses. They see gaps in what their financial institutions offer them, and more than 60% are going elsewhere to fill them. These clients often seek more robust money management tools, the ability to collect on receivables efficiently, greater payment flexibility, better tools to manage expenses, and accurate cash forecasting capabilities.”

    Aite-Novarica
    2022 Five Digital Imperatives Report

Who we work with

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Resources

 

Additional Q2 products